2018 EARLY BIRD Travel Insurance Guide - …

1 2018-2019 MEDIPACT ravel Insurance GuideSave up to 18%Details on Page 9 Great Reasons to BuyWorldwide Emergency AssistanceMedipac s trained medical professionals are only a phone call away, 24 hours a day, seven days a week. Medipac Assist is your lifeline to information, service and advice when travelling in a foreign country. Read what our satisfied clients say about Medipac on page and canadian snowbird association are Registered TrademarksEasy Payment OptionSpread your premium over two easy, automatic payments directly from your bank account.

2 Pay 50% of your premium when you apply and 50% one month later. Only available with cheque payments for trips of more than 41 Term TravelHopping across the border for a little shopping or taking a 10-day cruise? Do not take a chance by travelling without Medipac Insurance ! Check out our Short Term Rates beginning on page 43. New Client Incentives Join the tens of thousands of seasoned travellers who choose Medipac every year. First time clients can earn up to 5% as a Claim-Free Discount. See page 9 for Rewards Earn discounts for your loyalty and claim-free status up to 18%.

3 Loyal clients can earn up to 8% with our Loyalty Credit, and up to another 10% if they remain claim free, with our Claim-Free Discount. See page 9 for Medipac Program!Endorsed by the CSA and the Royal canadian LegionMedipac has been chosen as the exclusive Travel Insurance Partner of both the canadian snowbird association and the Royal canadian Legion. We re proud to have earned their trust, and we hope to earn yours! Medipac International Inc. 2018 Medipac Annual Plans Save time and money when you add our 23-day or our new 33-day Annual Add-on to your single trip plan.

4 Provides coverage for any trip, up to 23 or 33 days. In addition, the Add-on covers Travel within Canada for up to 182 days. See page 12 for Condition Coverage Most clients with stable and controlled medical conditions can purchase Medipac and have full coverage for ALL such conditions. Read the enclosed policy for details, beginning on page Protect your Claim-Free Discount and more than double your coverage for only $59. A must-have option! MedipacPLUS also includes 6 additional important benefits. See page 13 for Special Retired civil servants, military personnel and retired RCMP officers who participate in the Public Service Health Care Plan can receive a premium credit and an upgraded 40-day annual plan at no extra cost.

5 See page 11 for ! You have made a very wise decision to consider Medipac s Travel Medical Insurance Program. We are all looking forward to a great Travel season and our canadian dollar appears to be consolidating and inching Travel Insurance Guide has been designed to help you make several important choices regarding your coverage and to provide you with a strong understanding of your benefits. Your complete Travel Insurance policy is found later in these pages, and we recommend that you read it thoroughly. We have also highlighted several of our policy features in easy-to-understand language, and have provided two pages of Travel Tips to assist rate tables in this Guide are the base rates for Medipac's comprehensive coverage.

6 You will be pleasantly surprised to learn that you are immediately eligible for substantial discounts on these base rates. Our returning clients are already aware of Medipac s substantial savings through our Loyalty Credits (up to 8% off) and Claim Free Discounts (up to an additional 10% off). Certain discounts also may apply if your province or territory is complying with the Canada Health Act. Even our brand new clients who have been claim free can receive a discount (up to 5%).Medical Insurance , by its very nature, has exclusions, conditions and other clauses that may limit your coverage, and it is important that you understand them before you Travel .

7 With the complexity of today s Travel Insurance policies, it is reassuring to know that the program you have in your hands is recommended by Canada s largest group of long-term travellers, the canadian snowbird association . Medipac has earned their coveted endorsement for 26 consecutive years. The Royal canadian Legion has also designated Medipac as its exclusive Travel Insurance benefits partner for many have exceptional benefits, no age limits, full coverage for most stable medical conditions, and we automatically provide 24-hour access to our own dedicated medical professionals.

8 Medipac Assist is your lifeline in the event of any emergency and we will help you to navigate foreign medical systems and protocols should you ever need is more than just an Insurance , much more!I would like to personally thank all of our thousands of returning clients and, if this is your first time, we welcome you to the Medipac family. You will be in great company and you are certainly making the right choice for your Travel Insurance ,John Ross Quigley, : Our Annual Add-On benefit now includes up to 6 months of free Travel Insurance coverage while travelling in Canada and I personally recommend it, as well as our strong MedipacPLUS (1-888-633-4722) Table of ContentsGreat Reasons to Buy.

9 2 Important Insurance Tips ..6 Medipac Benefits ..8 Discounts - Save With Medipac ..9 Existing Insurance ? Reduce Your Cost ..10 Save with Federal Superannuate Credits ..11 Annual Add-on ..12 MedipacPLUS ..13 Individual Underwritten Insurance ..14 Medipac Assist ..15 Preferred PLUS Rates ..16 Preferred Rates ..20 Standard Rates ..24 Policy Text ..28 Underwritten by Old Republic Insurance Company of Canada. Period of coverage ..29 What should I do in a medical emergency?..29 The definitions ..30 The benefits ..32 What is not covered Pre-existing conditions.

10 33 General exclusions ..34 General limitations ..35 Change in departure date ..36Is there anything else I need to know? ..36 What happens to my Insurance coverage if I am hospitalizedand cannot return on my scheduled return date? ..38 How do I present my claim? ..38 Policy extensions ..38 Refund policy ..39 MedipacPLUS Endorsement ..40 Notice on Privacy ..42 Administration Fees ..42 Short Term Rates ..43 Trip Days Quick Calculator .. Insurance Tips1. Always read your Travel Insurance Policy (TIP) before making your purchase decision, and ensure that you understand the coverages being offered, as well as the policy limitations and exclusions.